CFPB Consumer Complaint Profile
J&L Collection Services
29 CFPB complaints trace a pattern in how this company responds when customers push back on credit, billing, or collection problems.
Data updated 2026-08-14
- 29
- Total complaints
- Mid-range
- 0
- Last 12 months
- 96.6%
- Timely response
- Below median
- 4
- States affected
The verdict
29 CFPB complaints put J&L Collection Services at #2382 out of 3,843 financial companies ranked by complaint volume. It posts a 96.6% on-time response rate, the 36th percentile among companies with 100+ complaints.
- #2382
- of 3,843 companies by volume
- 96.6%
- on time (36th pctile)
- Debt collection
- most-complained product
- 4
- states with complaints
Based on this company's own CFPB response record -- timely response, dispute rate, and relief rate, each benchmarked against every tracked company with 10+ complaints. Not a measure of product quality, pricing, or company size.
J&L Collection Services vs. all companies by on-time response rate
Every company with 100+ CFPB complaints on file (1,335 total)
96.6% Around the middle higher than 36% of 1,335 companies
companies with 100+ CFPB complaints, bucketed by value
Each bar is a band; taller bars hold more companies. The dashed line + filled bar mark this entry. Hover or tap any bar for its full count and share, and where it sits relative to this entry.
Source Consumer Financial Protection Bureau, Consumer Complaint Database · 2026-08-14
Percent of CFPB complaints answered within the regulator's expected window. Industry benchmark sits at 95%.
Reading this profile
Complaints by Product
Top Issues
Complaints by Year
| Year | Complaints |
|---|---|
| 2015 | 10 |
| 2016 | 2 |
| 2017 | 12 |
| 2018 | 5 |
Complaints by State (Top 15)
Company Responses
What the CFPB Complaint Record Shows for J&L Collection Services
The CFPB Consumer Complaint Database has logged 29 complaints against J&L Collection Services overall, with 0 of those filed in the trailing 12 months. Reports have come from consumers in 4 states and territories, making this a geographically concentrated complaint footprint. The single largest complaint category is "Debt collection," which consistently leads the product-level breakdown and signals where consumer friction is most acute. Within that category, the most frequently cited specific issue is "Cont'd attempts collect debt not owed" - a useful starting point for anyone trying to understand what goes wrong most often in the company's consumer interactions.
Within the Bureau's 15-day response window, J&L Collection Services posts a 96.6% reply rate on forwarded complaints. That figure is at or above the industry benchmark and suggests the company's intake and escalation processes are functioning as designed. Consumers formally disputed the company's response at a 7.7% rate among resolved cases, a signal of how often the initial resolution failed to satisfy the complainant. Among resolved complaints, the consumer-relief closure rate is 3.4%.
How to read complaint counts
Complaint counts alone do not tell the full story: larger institutions with more customers will naturally generate more complaints in absolute terms. The more informative signals are the direction of the yearly trend shown above, the state-level concentration, and the ratio of monetary-relief closures to closed-without-relief outcomes. Together, these fields provide context for reading the published CFPB record; they do not establish wrongdoing or resolve an individual dispute.
Educational data summary, not financial or legal advice. Individual complaint outcomes vary. Consumers should consult a qualified attorney or financial advisor for guidance on a specific dispute.
Frequently Asked Questions
How many CFPB complaints does J&L Collection Services have?
29 complaints have been filed against J&L Collection Services with the CFPB overall - 0 of them in the past year.
Does J&L Collection Services respond to complaints on time?
J&L Collection Services's CFPB timely-response rate is 96.6%. That is a strong response record by CFPB standards.
What product generates the most complaints for J&L Collection Services?
"Debt collection" draws more CFPB complaints against J&L Collection Services than any other product - see the full breakdown above.
What is the most common complaint issue with J&L Collection Services?
The most common issue reported by consumers about J&L Collection Services is "Cont'd attempts collect debt not owed." All complaint issues are listed above with their counts.
How do I file a complaint against J&L Collection Services?
You can file a complaint against J&L Collection Services directly with the CFPB at consumerfinance.gov/complaint. The CFPB will forward your complaint to the company and work to get you a response, typically within 15 days.
In how many states have consumers complained about J&L Collection Services?
Consumers in 4 states and territories have filed complaints about J&L Collection Services with the CFPB. This count includes the 50 states, DC, Puerto Rico, and smaller CFPB-tracked jurisdictions such as Guam, the U.S. Virgin Islands, and military postal codes (APO/FPO), which is why it can exceed the 52 states and territories that have a dedicated state page on this site.
Nationwide companies with similar complaint volume or dispute rates
Two CFPB peer sets for J&L Collection Services: nearest financial companies by total complaint volume and by the share of complaints consumers mark as disputed. These are cross-firm neighborhoods, not the product-category list below.
Similar dispute rates
Nearest companies by share of complaints marked disputed (7.7% here).
Also handles Debt collection
Other companies with the same primary CFPB product category on file.
Frequently Asked Questions
How many CFPB complaints does J&L Collection Services have?
29 complaints have been filed against J&L Collection Services with the CFPB overall - 0 of them in the past year.
Does J&L Collection Services respond to complaints on time?
J&L Collection Services's CFPB timely-response rate is 96.6%. That is a strong response record by CFPB standards.
What product generates the most complaints for J&L Collection Services?
"Debt collection" draws more CFPB complaints against J&L Collection Services than any other product - see the full breakdown above.
What is the most common complaint issue with J&L Collection Services?
The most common issue reported by consumers about J&L Collection Services is "Cont'd attempts collect debt not owed." All complaint issues are listed above with their counts.
How do I file a complaint against J&L Collection Services?
You can file a complaint against J&L Collection Services directly with the CFPB at consumerfinance.gov/complaint. The CFPB will forward your complaint to the company and work to get you a response, typically within 15 days.
In how many states have consumers complained about J&L Collection Services?
Consumers in 4 states and territories have filed complaints about J&L Collection Services with the CFPB. This count includes the 50 states, DC, Puerto Rico, and smaller CFPB-tracked jurisdictions such as Guam, the U.S. Virgin Islands, and military postal codes (APO/FPO), which is why it can exceed the 52 states and territories that have a dedicated state page on this site.